That is exactly correct. I’ve attended a few insurance seminars and the providers are told to enter the “Usual Customary Fee” ($21000 here), then the “Accepted Fee”(what the insurance actually allows the dr for being part of their network). Then what they actually PAY the provider, snd lastly, what you owe as a copay.
It’s all done to make the insurance company look like some hero who forced the greedy MD to cut his fees. Kinda like professional wrestling but without the folding chair across the forehead…